Oops! No matches found.
We can't find Travel Insurance that best match what you're looking for. Try adjusting the filters to refine your search or explore more options.
Explore more Travel InsuranceMoneySmart Financial is an Exempt Financial Adviser and Registered Insurance Broker licensed by Monetary Authority of Singapore ("MAS").
We can't find Travel Insurance that best match what you're looking for. Try adjusting the filters to refine your search or explore more options.
Explore more Travel InsuranceDisclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
Insurance Provider | Best For | Medical Coverage (Overseas) | Trip Cancellation Coverage | Loss or Baggage | Premium |
---|---|---|---|---|---|
AIG | Emergency travel assistance services | S$200,000 | S$5,000 | S$3,000 | From S$43 |
Allianz | Emergency transportation (Includes COVID-19 Coverage) | S$200,000 | S$1,500 | S$1,000 | From S$37 |
Bubblegum | Overall good value | S$150,000 | S$5,000 | S$3,000 | From S$31 |
DirectAsia | "Kids travel with free coverage" benefit (Families) | S$150,000 | S$3,000 | S$1,000 | From S$25 |
FWD | Lower premiums | S$200,000 | S$7,500 | S$3,000 | From S$20 |
Great Eastern | Coverage for sports and adventurous activities | S$300,000 | S$10,000 | S$5,000 | From S$51 |
Hong Leong Assurance | No claim discount | S$150,000 | S$5,000 | S$3,000 | From S$42 |
Income | Post-departure purchase up to a day of departure | S$250,000 | S$5,000 | S$3,000 | From S$43 |
MSIG | Comprehensive coverage (includes pre-existing conditions) | S$250,000 | S$5,000 | S$3,000 | From S$38 |
Singlife | High or unlimited overseas medical coverage | S$250,000 | S$5,000 | S$3,000 | From S$29 |
Sompo | Specially tailored plan for Japan trips | S$200,000 | S$5,000 | S$1,000 | From S$36 |
Starr | Cruise coverage | S$200,000 | S$5,000 | S$3,000 | From S$25 |
The Wise Traveller | Annual trips and membership programmes | S$480,000 | S$13,500 | S$13,500 | From S$306 |
Tiq | Auto-pay out and higher efficiency for flight delays | S$200,000 | S$5,000 | S$2,000 | From S$21 |
Zurich | Complimentary lounge access for flight delays | S$50,000 | S$2,500 | S$2,000 | From S$14 |
Ideal for occasional travelers, single-trip insurance covers individual trips, typically lasting up to 180 days. It’s cost-effective for infrequent travelers and easy to purchase online with prices going as low as $4/day for a 3-day trip to Southeast Asia.
Example:
Lisa and Amanda are university friends planning to take a long post-graduation trip to Australia. They seldom travel and even if they did, they go on overseas vacations once a year with their own families. For them, the single travel insurance policy is a more suitable choice in Australia.
Designed for frequent travelers, annual multi-trip plans cover multiple trips within a year. You only need to purchase it once for 12 months of coverage, making it a great option for those intending to make multiple long trips or short getaways abroad in a year.
Example:
Joshua flies frequently in and out of the country for his business trips. As he works as a legal advisor, his job requires him to travel between Singapore and Thailand twice or once a month. Each trip will last for about a week. In this case, multi-trip travel insurance works best for him as he wouldn't have to keep getting travel insurance before every trip.
Travel insurance cover varies by plan but typically includes essential protection against unexpected events like trip cancellations, medical emergencies, lost belongings and more. Read on to discover the essential aspects of travel insurance coverage and what to consider when choosing a plan.
Not always! While travel insurance includes “trip cancellation” coverage, claims are only valid for insured events like illness, accidents, or unforeseen events (riots, natural disasters). Be sure to check the policy for exclusions.
Flight cancellations due to events already publicly known at the time of ticket purchase are not covered, as you're expected to be aware of them. However, coverage applies if you bought your flights and insurance before the event was made public
If your flight was cancelled but you were put on a replacement flight, or your fare was refunded, you will not be able to make a travel insurance claim under the trip cancellation benefit. In general, travel insurance is only for unrecoverable costs. However, you may claim for trip delay benefits, such as an extra night's accommodation or extra meals.
Travel insurance typically covers events beyond your control. If you decide to cancel your trip, you generally can't claim anything unless your policy includes a "Cancellation for Any Reason" benefit. However, during pandemics or major events, airlines may waive cancellation penalties as a goodwill gesture. Always check with your airline and insurer for updated policies during such situations.
Before you make a claim from your travel insurance provider, there are several important things to take note of, whether it is for claims related to your COVID-19 diagnosis, loss of baggage, trip cancellation, or other reasons. These include knowing what type of plan you purchased, when did the incident/illness occur (pre-trip, during-trip or post-trip), what belongings or items to claim for, and who are involved.
Most travel insurers require claims within 30 days. Submit via mail, WhatsApp, their app, or online portal to avoid policy breaches. Keep originals for 6 months in the event the travel insurance provider needs to sight them. Required documents often include personal info, medical reports, ownership proof, trip records, and reports (e.g., police, airline).
Log in to your insurer's claims app or portal. Fill in your info, and the necessary details for the claims (email address. policy number, departure date or policy purchase date), upload soft copies of your documents and submit. Alternatively, mail hard copies of your original documents.
After submitting, you'll receive an acknowledgment email. Your claim will be reviewed. For COVID-19-related claims, contact the provided hotline or email. Upon approval, your insurer will coordinate payments, often offering cashless reimbursement through PayNow or iBanking for speed and convenience.
We have written a quick guide on buying the best travel insurance to the nearby countries whether you are travelling to Malaysia, taking a weekend trip to Thailand, holidaying in Bali, planning a trip to Japan or a getaway to South Korea. Before jetting off, here are the 5 must have list of travel essentials that you will need when on holiday.
Find out the worst airlines with delays and cancellations according to Singaporean travellers.